:root{--allianz-blue:#113388;--allianz-blue-light:#e5ecf6;--allianz-blue-pale:#f4f8fd;--text:#15233e;--muted:#586881;--border:#dce5f2;--white:#ffffff;--shadow:0 18px 50px rgba(17,51,136,0.12);--radius:28px;}*{box-sizing:border-box;}html{scroll-behavior:smooth;}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--white);line-height:1.5;}a{color:inherit;text-decoration:none;}img{max-width:100%;display:block;}.container{width:min(1180px,calc(100% - 40px));margin:0 auto;}.section{padding:96px 0;}.section-soft{background:radial-gradient(circle at 8% 0%,rgba(17,51,136,0.08),transparent 32%),radial-gradient(circle at 95% 12%,rgba(17,51,136,0.08),transparent 28%),var(--allianz-blue-pale);}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,0.92);border-bottom:1px solid var(--border);backdrop-filter:blur(14px);}.header-inner{min-height:88px;display:flex;align-items:center;gap:34px;}.brand{min-width:280px;}.brand-name{display:block;font-size:28px;line-height:1;font-weight:800;color:var(--allianz-blue);letter-spacing:-0.02em;}.brand-subtitle{display:block;margin-top:8px;font-size:13px;color:var(--muted);}.main-nav{display:flex;gap:22px;margin-left:auto;font-size:14px;color:var(--text);}.main-nav a:hover{color:var(--allianz-blue);}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 24px;border-radius:999px;font-weight:800;transition:transform .2s ease,box-shadow .2s ease,background .2s ease;}.btn:hover{transform:translateY(-1px);}.btn-primary{color:#fff;background:var(--allianz-blue);box-shadow:0 12px 28px rgba(17,51,136,0.22);}.btn-light{color:var(--allianz-blue);background:#fff;}.btn-outline-light{color:#fff;border:2px solid rgba(255,255,255,.72);}.hero{position:relative;overflow:hidden;padding-top:78px;padding-bottom:70px;background:radial-gradient(circle at 8% 10%,rgba(17,51,136,0.08),transparent 28%),radial-gradient(circle at 92% 8%,rgba(17,51,136,0.09),transparent 30%),linear-gradient(180deg,#fff 0%,#f8fbff 100%);}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:center;}.eyebrow{display:inline-flex;margin:0 0 22px;padding:10px 16px;border-radius:999px;color:var(--allianz-blue);background:var(--allianz-blue-light);font-weight:700;font-size:14px;}h1,h2,h3,p{margin-top:0;}h1{margin-bottom:26px;font-size:clamp(42px,5vw,66px);line-height:1.04;letter-spacing:-0.055em;}h2{margin-bottom:18px;font-size:clamp(32px,3.6vw,44px);line-height:1.12;letter-spacing:-0.035em;}h3{margin-bottom:10px;font-size:20px;line-height:1.18;}.lead{max-width:680px;color:var(--muted);font-size:19px;}.hero-actions{display:flex;gap:14px;margin-top:34px;}.hero-visual{display:flex;justify-content:center;}.portrait-card{width:min(430px,100%);border-radius:36px;background:linear-gradient(160deg,#fff,var(--allianz-blue-light));box-shadow:var(--shadow);overflow:hidden;}.portrait-card img{width:100%;}.contact-strip{display:grid;grid-template-columns:repeat(3,1fr);margin-top:58px;padding:22px;border:1px solid var(--border);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow);}.contact-strip-item{display:flex;gap:16px;align-items:center;padding:10px 24px;}.contact-strip-item + .contact-strip-item{border-left:1px solid var(--border);}.contact-strip-item img{width:42px;height:42px;}.contact-strip-item span{display:block;color:var(--allianz-blue);font-weight:800;font-size:13px;}.contact-strip-item strong{display:block;margin-top:2px;font-size:18px;}.contact-strip-item small{display:block;margin-top:2px;color:var(--muted);}.section-heading{max-width:780px;margin:0 auto 42px;text-align:center;}.cards-grid{display:grid;gap:24px;}.product-grid{grid-template-columns:repeat(4,1fr);}.card{border:1px solid var(--border);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow);}.product-card{min-height:210px;padding:28px;}.product-card img{width:54px;height:54px;margin-bottom:20px;}.product-card p,.benefit-card p,.split-heading p,.process p,.about-copy p,.faq-box p,.form-note{color:var(--muted);}.split-heading{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start;margin-bottom:42px;}.split-heading p{font-size:18px;}.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}.benefit-card{padding:30px 26px;text-align:center;}.benefit-card img{width:58px;height:58px;margin:0 auto 20px;}.process{position:relative;display:grid;grid-template-columns:repeat(5,1fr);gap:26px;}.process::before{content:"";position:absolute;top:38px;left:8%;right:8%;height:3px;background:var(--border);}.process article{position:relative;text-align:center;}.process span{position:relative;z-index:1;display:inline-flex;width:76px;height:76px;align-items:center;justify-content:center;margin-bottom:22px;border-radius:50%;color:#fff;background:var(--allianz-blue);font-size:26px;font-weight:900;}.process h3{font-size:18px;}.damage-section{padding-top:80px;padding-bottom:80px;}.damage-card{display:grid;grid-template-columns:1fr auto;gap:48px;align-items:center;padding:52px;border-radius:34px;color:#fff;background:radial-gradient(circle at 100% 0%,rgba(255,255,255,.18),transparent 28%),var(--allianz-blue);box-shadow:var(--shadow);}.damage-card p{max-width:760px;margin-bottom:0;color:rgba(255,255,255,.86);font-size:18px;}.damage-actions{display:flex;flex-direction:column;gap:14px;}.about-grid{display:grid;grid-template-columns:360px 1fr;gap:58px;align-items:center;}.about-image{overflow:hidden;border-radius:34px;background:var(--allianz-blue-light);box-shadow:var(--shadow);}.about-copy p{max-width:760px;font-size:18px;}.chips{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px;}.chips span{padding:12px 16px;border-radius:999px;color:var(--allianz-blue);background:var(--allianz-blue-light);font-weight:800;font-size:14px;}.faq-contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start;}.faq-box,.contact-form{padding:36px;}details{padding:18px 0;border-bottom:1px solid var(--border);}summary{cursor:pointer;color:var(--text);font-weight:800;}details p{margin:12px 0 0;}.contact-form label{display:block;margin-bottom:14px;color:var(--text);font-size:14px;font-weight:800;}input,select,textarea{width:100%;min-height:48px;margin-top:8px;padding:0 14px;border:1px solid var(--border);border-radius:14px;background:#fbfdff;color:var(--text);font:inherit;}textarea{min-height:108px;padding-top:14px;resize:vertical;}.form-note{margin:12px 0 18px;font-size:13px;}.contact-card-section{padding-top:70px;padding-bottom:90px;}.advisor-card{max-width:680px;margin:0 auto;padding:42px;border-radius:34px;background:#fff;box-shadow:var(--shadow);text-align:center;}.advisor-card ul{display:grid;gap:8px;margin:22px 0 28px;padding:0;list-style:none;color:var(--muted);}.site-footer{padding:58px 0 34px;color:#fff;background:var(--allianz-blue);}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr .9fr;gap:54px;}.site-footer h2,.site-footer h3{margin-bottom:14px;}.site-footer p,.site-footer a{display:block;color:rgba(255,255,255,.82);}.site-footer a{margin-bottom:8px;}.footer-note{margin-top:42px;padding-top:22px;border-top:1px solid rgba(255,255,255,.22);color:rgba(255,255,255,.72);font-size:13px;}@media (max-width:1040px){.main-nav{display:none;}.hero-grid,.split-heading,.about-grid,.faq-contact-grid,.damage-card,.footer-grid{grid-template-columns:1fr;}.product-grid,.benefit-grid{grid-template-columns:repeat(2,1fr);}.process{grid-template-columns:1fr;}.process::before{display:none;}.contact-strip{grid-template-columns:1fr;}.contact-strip-item + .contact-strip-item{border-left:0;border-top:1px solid var(--border);}}@media (max-width:640px){.section{padding:70px 0;}.header-inner{align-items:flex-start;flex-direction:column;gap:18px;padding:18px 0;}.header-cta{width:100%;}.product-grid,.benefit-grid{grid-template-columns:1fr;}.damage-card{padding:34px;}}.hidden-field{position:absolute !important;left:-9999px !important;opacity:0 !important;height:0 !important;width:0 !important;overflow:hidden !important;}.field-error{display:block;margin-top:6px;color:#b00020;font-size:13px;font-weight:700;}input.is-invalid,select.is-invalid,textarea.is-invalid{border-color:#b00020;box-shadow:0 0 0 3px rgba(176,0,32,0.08);}.form-warning{margin:0 0 16px;padding:14px 16px;border-radius:14px;background:#fff4f4;color:#8a0015;font-size:14px;font-weight:700;}.noscript-warning{padding:14px 20px;background:#fff8dc;color:#5c4300;text-align:center;font-weight:700;}@media (min-width:900px){#sluzby,#proc,#prubeh,#omne,#faq,.damage-section,.contact-card-section{content-visibility:auto;contain-intrinsic-size:800px;}}

/* ============================================================
   KOMPAKTNÍ VERZE v004
   Menší měřítko webu, nižší bloky, civilnější nadpisy.
   ============================================================ */

:root {
  --radius: 20px;
  --shadow: 0 10px 28px rgba(17,51,136,.10);
}

.container {
  width: min(1080px, calc(100% - 40px));
}

.section {
  padding: 58px 0;
}

.site-header {
  position: sticky;
}

.header-inner {
  min-height: 68px;
  gap: 24px;
}

.brand {
  min-width: 245px;
}

.brand-name {
  font-size: 23px;
}

.brand-subtitle {
  margin-top: 5px;
  font-size: 11px;
}

.main-nav {
  gap: 16px;
  font-size: 13px;
}

.header-cta {
  min-height: 42px;
  padding: 0 18px;
  font-size: 13px;
}

.btn {
  min-height: 44px;
  padding: 0 20px;
  font-size: 14px;
}

.hero {
  padding-top: 46px;
  padding-bottom: 46px;
}

.hero-grid {
  grid-template-columns: 1.05fr .8fr;
  gap: 40px;
}

.eyebrow {
  margin-bottom: 14px;
  padding: 7px 12px;
  font-size: 12px;
}

h1 {
  max-width: 680px;
  margin-bottom: 18px;
  font-size: clamp(34px, 3.8vw, 48px);
  line-height: 1.08;
  letter-spacing: -0.04em;
}

h2 {
  margin-bottom: 12px;
  font-size: clamp(26px, 2.8vw, 34px);
  line-height: 1.14;
  letter-spacing: -0.025em;
}

h3 {
  margin-bottom: 7px;
  font-size: 17px;
}

.lead {
  max-width: 610px;
  font-size: 16px;
  line-height: 1.58;
}

.hero-actions {
  margin-top: 24px;
}

.portrait-card {
  max-width: 330px;
  border-radius: 24px;
}

.contact-strip {
  margin-top: 36px;
  padding: 14px;
  border-radius: 18px;
}

.contact-strip-item {
  gap: 12px;
  padding: 8px 16px;
}

.contact-strip-item img {
  width: 34px;
  height: 34px;
}

.contact-strip-item span {
  font-size: 12px;
}

.contact-strip-item strong {
  font-size: 15px;
}

.contact-strip-item small {
  font-size: 12px;
}

.section-heading {
  margin-bottom: 28px;
}

.product-grid {
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.card {
  border-radius: 18px;
}

.product-card {
  min-height: 150px;
  padding: 20px;
}

.product-card img {
  width: 40px;
  height: 40px;
  margin-bottom: 14px;
}

.product-card h3 {
  font-size: 16px;
}

.product-card p {
  font-size: 13px;
  line-height: 1.45;
}

.split-heading {
  gap: 32px;
  margin-bottom: 28px;
}

.split-heading p {
  font-size: 15px;
  line-height: 1.6;
}

.benefit-grid {
  gap: 16px;
}

.benefit-card {
  padding: 22px 18px;
}

.benefit-card img {
  width: 44px;
  height: 44px;
  margin-bottom: 14px;
}

.benefit-card h3 {
  font-size: 16px;
}

.benefit-card p {
  font-size: 13px;
}

.process {
  gap: 16px;
}

.process::before {
  top: 29px;
}

.process span {
  width: 58px;
  height: 58px;
  margin-bottom: 15px;
  font-size: 20px;
}

.process h3 {
  font-size: 15px;
}

.process p {
  font-size: 13px;
  line-height: 1.45;
}

.damage-section {
  padding-top: 54px;
  padding-bottom: 54px;
}

.damage-card {
  gap: 32px;
  padding: 34px;
  border-radius: 24px;
}

.damage-card p {
  font-size: 15px;
  line-height: 1.55;
}

.damage-actions {
  min-width: 260px;
}

.about-grid {
  grid-template-columns: 280px 1fr;
  gap: 38px;
}

.about-image {
  border-radius: 24px;
}

.about-copy p {
  max-width: 720px;
  font-size: 15px;
  line-height: 1.65;
}

.chips {
  gap: 9px;
  margin-top: 18px;
}

.chips span {
  padding: 9px 12px;
  font-size: 12px;
}

.faq-contact-grid {
  gap: 20px;
}

.faq-box,
.contact-form {
  padding: 28px;
}

details {
  padding: 13px 0;
}

summary {
  font-size: 14px;
}

details p {
  font-size: 13px;
  line-height: 1.5;
}

.contact-form label {
  margin-bottom: 10px;
  font-size: 12px;
}

input,
select,
textarea {
  min-height: 42px;
  margin-top: 6px;
  padding: 0 12px;
  border-radius: 10px;
  font-size: 14px;
}

textarea {
  min-height: 84px;
  padding-top: 11px;
}

.form-note {
  font-size: 12px;
}

.contact-card-section {
  padding-top: 48px;
  padding-bottom: 58px;
}

.advisor-card {
  max-width: 560px;
  padding: 30px;
  border-radius: 24px;
}

.advisor-card ul {
  margin: 16px 0 22px;
  font-size: 14px;
}

.site-footer {
  padding: 42px 0 26px;
}

.footer-grid {
  grid-template-columns: 1.2fr .7fr .9fr;
  gap: 38px;
}

.site-footer h2 {
  font-size: 26px;
}

.site-footer h3 {
  font-size: 16px;
}

.site-footer p,
.site-footer a {
  font-size: 13px;
}

.footer-note {
  margin-top: 28px;
  padding-top: 18px;
  font-size: 12px;
}

@media (max-width: 1040px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }

  .portrait-card {
    max-width: 300px;
  }

  .product-grid,
  .benefit-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .about-grid,
  .faq-contact-grid,
  .damage-card,
  .footer-grid,
  .split-heading {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .container {
    width: min(100% - 28px, 1080px);
  }

  .section {
    padding: 44px 0;
  }

  h1 {
    font-size: 34px;
  }

  h2 {
    font-size: 27px;
  }

  .product-grid,
  .benefit-grid {
    grid-template-columns: 1fr;
  }

  .damage-card {
    padding: 26px;
  }
}


/* ============================================================
   v005 – civilní kompaktní měřítko
   Fotka bez deformace, menší bloky, normální velikosti textu.
   ============================================================ */

:root {
  --radius: 14px;
  --shadow: 0 6px 18px rgba(17,51,136,.08);
}

body {
  font-size: 14px;
}

.container {
  width: min(960px, calc(100% - 32px));
}

.section {
  padding: 34px 0;
}

.section-soft {
  background: #f7faff;
}

.site-header {
  position: sticky;
}

.header-inner {
  min-height: 56px;
  gap: 18px;
}

.brand {
  min-width: 215px;
}

.brand-name {
  font-size: 19px;
  letter-spacing: -0.01em;
}

.brand-subtitle {
  margin-top: 3px;
  font-size: 10px;
}

.main-nav {
  gap: 12px;
  font-size: 12px;
}

.header-cta {
  min-height: 34px;
  padding: 0 13px;
  font-size: 12px;
}

.btn {
  min-height: 38px;
  padding: 0 16px;
  font-size: 13px;
}

.hero {
  padding-top: 30px;
  padding-bottom: 30px;
  background: linear-gradient(180deg, #ffffff 0%, #f8fbff 100%);
}

.hero-grid {
  grid-template-columns: minmax(0, 1fr) 260px;
  gap: 28px;
  align-items: center;
}

.eyebrow {
  margin-bottom: 10px;
  padding: 5px 10px;
  font-size: 11px;
}

h1 {
  max-width: 580px;
  margin-bottom: 14px;
  font-size: clamp(28px, 3vw, 38px);
  line-height: 1.12;
  letter-spacing: -0.03em;
}

h2 {
  margin-bottom: 10px;
  font-size: clamp(22px, 2.3vw, 28px);
  line-height: 1.15;
  letter-spacing: -0.02em;
}

h3 {
  margin-bottom: 5px;
  font-size: 15px;
}

.lead {
  max-width: 560px;
  font-size: 14px;
  line-height: 1.55;
}

.hero-actions {
  margin-top: 18px;
}

.hero-visual {
  justify-content: flex-end;
}

.portrait-card {
  width: 210px;
  max-width: 210px;
  padding: 0;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: #fff;
  box-shadow: var(--shadow);
}

.portrait-card img {
  width: 100%;
  height: auto !important;
  display: block;
  object-fit: contain !important;
  border-radius: 13px;
}

.contact-strip {
  grid-template-columns: repeat(3, minmax(0, 1fr));
  margin-top: 24px;
  padding: 8px;
  border-radius: 14px;
}

.contact-strip-item {
  gap: 9px;
  padding: 6px 10px;
}

.contact-strip-item img {
  width: 25px;
  height: 25px;
}

.contact-strip-item span {
  font-size: 10px;
}

.contact-strip-item strong {
  font-size: 12px;
  line-height: 1.25;
}

.contact-strip-item small {
  font-size: 10px;
}

.section-heading {
  margin-bottom: 18px;
}

.product-grid {
  grid-template-columns: repeat(4, 1fr);
  gap: 11px;
}

.card {
  border-radius: 14px;
}

.product-card {
  min-height: 118px;
  padding: 14px;
}

.product-card img {
  width: 30px;
  height: 30px;
  margin-bottom: 9px;
}

.product-card h3 {
  font-size: 14px;
}

.product-card p {
  font-size: 11.5px;
  line-height: 1.35;
}

.split-heading {
  grid-template-columns: .8fr 1.2fr;
  gap: 24px;
  margin-bottom: 18px;
}

.split-heading p {
  font-size: 13px;
  line-height: 1.55;
}

.benefit-grid {
  gap: 11px;
}

.benefit-card {
  padding: 16px 12px;
}

.benefit-card img {
  width: 34px;
  height: 34px;
  margin-bottom: 9px;
}

.benefit-card h3 {
  font-size: 13px;
}

.benefit-card p {
  font-size: 11.5px;
  line-height: 1.35;
}

.process {
  gap: 10px;
}

.process::before {
  top: 22px;
  left: 7%;
  right: 7%;
  height: 2px;
}

.process span {
  width: 44px;
  height: 44px;
  margin-bottom: 10px;
  font-size: 16px;
}

.process h3 {
  font-size: 12.5px;
  line-height: 1.25;
}

.process p {
  font-size: 11px;
  line-height: 1.35;
}

.damage-section {
  padding-top: 32px;
  padding-bottom: 32px;
}

.damage-card {
  grid-template-columns: 1fr auto;
  gap: 24px;
  padding: 24px;
  border-radius: 18px;
}

.damage-card p {
  font-size: 13px;
  line-height: 1.45;
}

.damage-actions {
  min-width: 220px;
  gap: 8px;
}

.about-grid {
  grid-template-columns: 180px 1fr;
  gap: 28px;
  align-items: start;
}

.about-image {
  border-radius: 14px;
  background: #fff;
  box-shadow: var(--shadow);
  padding: 0;
}

.about-image img {
  width: 100%;
  height: auto !important;
  object-fit: contain !important;
  border-radius: 13px;
}

.about-copy p {
  max-width: 680px;
  font-size: 13px;
  line-height: 1.55;
}

.chips {
  gap: 7px;
  margin-top: 13px;
}

.chips span {
  padding: 7px 10px;
  font-size: 11px;
}

.faq-contact-grid {
  gap: 14px;
}

.faq-box,
.contact-form {
  padding: 20px;
}

details {
  padding: 9px 0;
}

summary {
  font-size: 12.5px;
}

details p {
  font-size: 11.5px;
  line-height: 1.4;
}

.contact-form label {
  margin-bottom: 8px;
  font-size: 11px;
}

input,
select,
textarea {
  min-height: 34px;
  margin-top: 4px;
  padding: 0 10px;
  border-radius: 8px;
  font-size: 12px;
}

textarea {
  min-height: 68px;
  padding-top: 9px;
}

.form-note {
  margin: 8px 0 12px;
  font-size: 10.5px;
}

.contact-card-section {
  padding-top: 30px;
  padding-bottom: 38px;
}

.advisor-card {
  max-width: 500px;
  padding: 22px;
  border-radius: 18px;
}

.advisor-card ul {
  margin: 12px 0 18px;
  font-size: 12px;
}

.site-footer {
  padding: 28px 0 20px;
}

.footer-grid {
  grid-template-columns: 1.2fr .65fr .85fr;
  gap: 30px;
}

.site-footer h2 {
  font-size: 21px;
}

.site-footer h3 {
  font-size: 14px;
}

.site-footer p,
.site-footer a {
  font-size: 11.5px;
}

.site-footer a {
  margin-bottom: 5px;
}

.footer-note {
  margin-top: 20px;
  padding-top: 14px;
  font-size: 10.5px;
}

@media (max-width: 980px) {
  .main-nav {
    display: none;
  }

  .hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-visual {
    justify-content: flex-start;
  }

  .portrait-card {
    width: 180px;
  }

  .product-grid,
  .benefit-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .split-heading,
  .about-grid,
  .faq-contact-grid,
  .damage-card,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .process {
    grid-template-columns: 1fr;
  }

  .process::before {
    display: none;
  }

  .about-image {
    width: 160px;
  }
}

@media (max-width: 640px) {
  .container {
    width: min(100% - 24px, 960px);
  }

  .section {
    padding: 32px 0;
  }

  h1 {
    font-size: 29px;
  }

  h2 {
    font-size: 23px;
  }

  .product-grid,
  .benefit-grid {
    grid-template-columns: 1fr;
  }

  .contact-strip {
    grid-template-columns: 1fr;
  }

  .contact-strip-item + .contact-strip-item {
    border-left: 0;
    border-top: 1px solid var(--border);
  }
}


/* ============================================================
   v006 – spodní část: vlevo formulář, vpravo FAQ + Kontakt
   Spodní hrana formuláře je zarovnaná se spodní hranou kontaktu.
   ============================================================ */

.bottom-contact-section {
  padding-top: 38px;
  padding-bottom: 42px;
}

.bottom-contact-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(320px, .95fr);
  gap: 18px;
  align-items: stretch;
}

.bottom-form-column,
.bottom-side-column {
  min-height: 100%;
}

.bottom-form-column .contact-form {
  height: 100%;
}

.bottom-side-column {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.bottom-side-column .faq-box {
  flex: 1 1 auto;
}

.bottom-side-column .advisor-card {
  flex: 0 0 auto;
  max-width: none;
  margin: 0;
  padding: 20px;
  text-align: left;
}

.bottom-side-column .advisor-card h2 {
  margin-bottom: 4px;
}

.bottom-side-column .advisor-card > p {
  margin-bottom: 12px;
}

.bottom-side-column .advisor-card ul {
  margin: 10px 0 16px;
}

.bottom-side-column .advisor-card .btn {
  width: 100%;
}

.contact-card-section {
  display: none !important;
}

@media (max-width: 980px) {
  .bottom-contact-grid {
    grid-template-columns: 1fr;
  }

  .bottom-form-column .contact-form {
    height: auto;
  }

  .bottom-side-column .advisor-card {
    text-align: center;
  }
}


/* ============================================================
   v009 – detail produktu Auto / motorka
   ============================================================ */

.product-card-link {
  display: block;
  color: inherit;
  text-decoration: none;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.product-card-link:hover {
  transform: translateY(-2px);
  border-color: rgba(17,51,136,.36);
  box-shadow: 0 10px 28px rgba(17,51,136,.13);
}

.card-more {
  display: inline-block;
  margin-top: 8px;
  color: var(--allianz-blue);
  font-weight: 800;
  font-size: 12px;
}

.detail-hero {
  padding: 42px 0 32px;
  background: linear-gradient(180deg, #fff 0%, #f8fbff 100%);
}

.detail-hero-inner {
  display: grid;
  grid-template-columns: 1fr 260px;
  gap: 32px;
  align-items: center;
}

.detail-hero h1 {
  max-width: 760px;
  font-size: clamp(30px, 3vw, 42px);
}

.detail-hero p {
  max-width: 720px;
  color: var(--muted);
  font-size: 15px;
}

.detail-icon-card {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 210px;
  border: 1px solid var(--border);
  border-radius: 18px;
  background: #fff;
  box-shadow: var(--shadow);
}

.detail-icon-card img {
  width: 112px;
  height: 112px;
}

.breadcrumbs {
  margin-bottom: 14px;
  color: var(--muted);
  font-size: 12px;
}

.breadcrumbs a {
  color: var(--allianz-blue);
  font-weight: 800;
}

.detail-section {
  padding: 34px 0;
}

.detail-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 310px;
  gap: 24px;
  align-items: start;
}

.detail-content {
  display: grid;
  gap: 14px;
}

.detail-card {
  padding: 22px;
}

.detail-card h2 {
  font-size: 24px;
}

.detail-card h3 {
  color: var(--allianz-blue);
}

.detail-card p,
.detail-card li {
  color: var(--muted);
  font-size: 13.5px;
}

.detail-card ul {
  margin: 10px 0 0;
  padding-left: 18px;
}

.detail-links {
  display: grid;
  gap: 10px;
}

.detail-link {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 12px 14px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: #fff;
  color: var(--text);
  font-size: 13px;
  font-weight: 800;
}

.detail-link:hover {
  border-color: rgba(17,51,136,.42);
  color: var(--allianz-blue);
}

.detail-aside {
  position: sticky;
  top: 82px;
  display: grid;
  gap: 14px;
}

.detail-cta {
  padding: 22px;
  border-radius: 18px;
  background: var(--allianz-blue);
  color: #fff;
}

.detail-cta p {
  color: rgba(255,255,255,.82);
  font-size: 13px;
}

.detail-cta .btn {
  width: 100%;
  margin-top: 10px;
}

.external-note {
  color: var(--muted);
  font-size: 12px;
}

@media (max-width: 900px) {
  .detail-hero-inner,
  .detail-grid {
    grid-template-columns: 1fr;
  }

  .detail-icon-card {
    min-height: 150px;
  }

  .detail-icon-card img {
    width: 80px;
    height: 80px;
  }

  .detail-aside {
    position: static;
  }
}


/* ============================================================
   v010 – všechny produktové stránky
   ============================================================ */

.btn-outline{
  color:var(--allianz-blue);
  border:1px solid rgba(17,51,136,.34);
  background:#fff;
}

.product-card-link{
  display:block;
  color:inherit;
  text-decoration:none;
  transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease;
}
.product-card-link:hover{
  transform:translateY(-2px);
  border-color:rgba(17,51,136,.34);
}
.card-more{
  display:inline-block;
  margin-top:7px;
  color:var(--allianz-blue);
  font-weight:800;
  font-size:11px;
}

.detail-hero{
  padding:34px 0 28px;
  background:linear-gradient(180deg,#fff 0%,#f8fbff 100%);
}
.detail-hero-inner{
  display:grid;
  grid-template-columns:minmax(0,1fr) 240px;
  gap:24px;
  align-items:center;
}
.detail-hero h1{
  font-size:clamp(28px,3vw,38px);
}
.detail-hero p{
  max-width:620px;
  color:var(--muted);
  font-size:14px;
  line-height:1.55;
}
.breadcrumbs{
  margin-bottom:10px;
  color:var(--muted);
  font-size:12px;
}
.breadcrumbs a{
  color:var(--allianz-blue);
  font-weight:800;
}
.detail-icon-card{
  display:flex;
  align-items:center;
  justify-content:center;
  min-height:180px;
  padding:18px;
  border:1px solid var(--border);
  border-radius:16px;
  background:#fff;
  box-shadow:var(--shadow);
}
.detail-icon-card img{
  width:120px;
  height:120px;
}
.detail-section{
  padding:26px 0;
}
.detail-block-heading{
  margin-bottom:14px;
  font-size:22px;
}
.quick-chip-grid{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:10px;
}
.quick-chip{
  display:flex;
  align-items:center;
  min-height:52px;
  padding:12px 14px;
  border-radius:12px;
  text-decoration:none;
  color:var(--allianz-blue);
  font-weight:800;
  font-size:12px;
}
.quick-chip:hover{
  border-color:rgba(17,51,136,.34);
}
.detail-grid{
  display:grid;
  grid-template-columns:minmax(0,1fr) 300px;
  gap:18px;
  align-items:start;
}
.detail-content{
  display:grid;
  gap:12px;
}
.detail-card{
  display:grid;
  grid-template-columns:60px 1fr;
  gap:14px;
  padding:18px;
}
.detail-card h2{
  font-size:22px;
}
.detail-card h3{
  margin-bottom:4px;
  color:var(--allianz-blue);
  font-size:16px;
}
.detail-card p{
  color:var(--muted);
  font-size:12.5px;
  line-height:1.5;
}
.detail-item-icon{
  display:flex;
  align-items:flex-start;
  justify-content:center;
}
.detail-item-icon img{
  width:40px;
  height:40px;
}
.detail-aside{
  position:sticky;
  top:78px;
  display:grid;
  gap:14px;
}
.detail-cta{
  padding:20px;
  border-radius:16px;
  background:var(--allianz-blue);
  color:#fff;
  box-shadow:var(--shadow);
}
.detail-cta h2{
  margin-bottom:8px;
  font-size:22px;
}
.detail-cta p{
  color:rgba(255,255,255,.84);
  font-size:12.5px;
  line-height:1.5;
}
.detail-cta .btn{
  width:100%;
  margin-top:10px;
}
.detail-links-card{
  grid-template-columns:1fr;
}
.external-note{
  color:var(--muted);
  font-size:12px;
}
.detail-links{
  display:grid;
  gap:8px;
  margin-top:8px;
}
.detail-link{
  display:flex;
  justify-content:space-between;
  gap:12px;
  padding:10px 0;
  border-bottom:1px solid var(--border);
  color:var(--allianz-blue);
  font-size:12.5px;
  font-weight:800;
  text-decoration:none;
}
.detail-link:last-child{
  border-bottom:0;
}
.info-disclaimer{
  padding:14px 18px;
}
.info-disclaimer p{
  margin:0;
  color:var(--muted);
  font-size:12px;
}

@media (max-width: 980px){
  .quick-chip-grid{
    grid-template-columns:repeat(2,1fr);
  }
  .detail-hero-inner,
  .detail-grid{
    grid-template-columns:1fr;
  }
  .detail-aside{
    position:static;
  }
}

@media (max-width: 640px){
  .quick-chip-grid{
    grid-template-columns:1fr;
  }
  .detail-card{
    grid-template-columns:44px 1fr;
    padding:14px;
  }
  .detail-icon-card{
    min-height:130px;
  }
  .detail-icon-card img{
    width:84px;
    height:84px;
  }
}


/* ============================================================
   v011 – oprava navigace se sticky menu
   Kotvy už neskáčou pod horní lištu.
   ============================================================ */

html {
  scroll-padding-top: 86px;
}

/* Všechny hlavní kotvy na homepage */
#top,
#sluzby,
#proc,
#prubeh,
#omne,
#faq,
#kontakt {
  scroll-margin-top: 86px;
}

/* Kotvy uvnitř produktových detailů */
[id^="sec-"] {
  scroll-margin-top: 92px;
}

/* Na kompaktním desktopu je header nižší, ale necháváme rezervu kvůli čitelnosti */
@media (max-width: 980px) {
  html {
    scroll-padding-top: 78px;
  }

  #top,
  #sluzby,
  #proc,
  #prubeh,
  #omne,
  #faq,
  #kontakt,
  [id^="sec-"] {
    scroll-margin-top: 78px;
  }
}

@media (max-width: 640px) {
  html {
    scroll-padding-top: 112px;
  }

  #top,
  #sluzby,
  #proc,
  #prubeh,
  #omne,
  #faq,
  #kontakt,
  [id^="sec-"] {
    scroll-margin-top: 112px;
  }
}


/* ============================================================
   v012 – nové čisté ikony + kontaktní informační box
   ============================================================ */

.product-card img,
.detail-icon-card img,
.detail-item-icon img,
.benefit-card img,
.contact-strip-item img {
  object-fit: contain;
}

.product-card img {
  width: 38px;
  height: 38px;
}

.detail-icon-card {
  background:
    radial-gradient(circle at 50% 45%, rgba(17,51,136,.06), transparent 58%),
    #fff;
}

.detail-icon-card img {
  width: 118px;
  height: 118px;
}

.detail-item-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(17,51,136,.055);
  display: flex;
  justify-content: center;
  align-items: center;
}

.detail-item-icon img {
  width: 31px;
  height: 31px;
}

.info-disclaimer {
  border-color: rgba(17,51,136,.24);
  background: linear-gradient(135deg, rgba(17,51,136,.055), rgba(17,51,136,.015));
}

.info-disclaimer p {
  color: var(--text);
  font-weight: 700;
  line-height: 1.55;
}

.info-disclaimer::before {
  content: "i";
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 26px;
  height: 26px;
  margin: 0 10px 0 0;
  border: 1px solid rgba(17,51,136,.34);
  border-radius: 50%;
  color: var(--allianz-blue);
  font-weight: 900;
  float: left;
}


/* ============================================================
   v013 – Hypotéka s jistotou, 3×3 služby, jemné zvýraznění
   ============================================================ */
.product-grid{
  grid-template-columns:repeat(3,1fr);
}
.product-card-featured{
  position:relative;
  border-color:rgba(17,51,136,.34);
  background:linear-gradient(180deg,#f7fbff 0%,#ffffff 100%);
  box-shadow:0 12px 34px rgba(17,51,136,.14);
}
.product-card-featured:hover{
  border-color:rgba(17,51,136,.48);
  box-shadow:0 16px 42px rgba(17,51,136,.18);
}
.service-badge{
  position:absolute;
  top:12px;
  right:12px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:22px;
  padding:0 9px;
  border-radius:999px;
  background:var(--allianz-blue-light);
  color:var(--allianz-blue);
  font-size:10px;
  font-weight:900;
  letter-spacing:.02em;
}
.product-card-featured img{
  margin-right:52px;
}
@media (max-width:1040px){
  .product-grid{grid-template-columns:repeat(2,1fr);} 
}
@media (max-width:640px){
  .product-grid{grid-template-columns:1fr;}
  .product-card-featured img{margin-right:0;}
}


/* ============================================================
   v015 – finální texty Hypotéka s jistotou + patička FaceArtMedia
   ============================================================ */
.footer-credit{display:block;margin-top:10px;color:rgba(255,255,255,.82);}
.footer-credit a{display:inline;color:#fff;text-decoration:underline;text-underline-offset:3px;font-weight:800;}
.simple-page-footer{padding-top:24px;}
.detail-icon-card-featured{background:linear-gradient(180deg,#f7fbff 0%,#ffffff 100%);border-color:rgba(17,51,136,.34);}
.detail-links-card ul{margin:12px 0 0;padding-left:20px;color:var(--muted);}
.detail-links-card li{margin-bottom:8px;}


/* v019 footer cleanup */
.footer-bottom{margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.14);color:rgba(255,255,255,.64);font-size:12px;line-height:1.4;}
.footer-bottom .footer-credit{display:block;margin-top:0;color:rgba(255,255,255,.72);}
.footer-bottom .footer-credit a{display:inline;color:rgba(255,255,255,.9);text-decoration:underline;text-underline-offset:3px;font-weight:700;}
.site-footer .footer-note + .footer-bottom{margin-top:14px;}


/* v020 footer credit + solid favicon */
.footer-credit-inline{display:block;margin-top:14px;padding-top:12px;border-top:1px solid rgba(255,255,255,.18);color:rgba(255,255,255,.72);font-size:12px;line-height:1.45;}
.footer-credit-inline a{display:inline;color:rgba(255,255,255,.92);text-decoration:underline;text-underline-offset:3px;font-weight:700;}
.footer-bottom{display:none;}